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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $16,789 | $138,076-87.8% | $123,553-86.4% | $135,380-87.6% |
| Participation rate | 66.7% | 84.7%-18.1pp | 82.3%-15.6pp | 82.6%-16.0pp |
| Annual return | -10.13% | 153.70%-163.8pp | 119.21%-129.3pp | 519.81%-529.9pp |
| Employer contribution / active EE | $1,187 | $5,152-77.0% | $4,628-74.4% | $4,779-75.2% |
| Participant deferral / active EE | $3,678 | $6,800-45.9% | $6,426-42.8% | $5,609-34.4% |
| Admin fee / account holder | $684 | $10,917-93.7% | $9,284-92.6% | $10,828-93.7% |